LTV · monthly repayment
▼ 0.50% · 3.625%
HK$92,558
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,437
−HK$2,925/mo
Today · 4.125%
HK$98,362
baseline
▲ 0.50% · 4.625%
HK$104,347
+HK$5,985/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,724/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,970
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,732
−HK$2,801/mo
Today · 4.125%
HK$108,533
baseline
▲ 0.50% · 4.625%
HK$114,254
+HK$5,721/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,066/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,070
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,525
−HK$3,510/mo
Today · 4.125%
HK$118,035
baseline
▲ 0.50% · 4.625%
HK$125,217
+HK$7,182/mo
Deposit HK$16.24M · loan HK$24.35M · min. income ≈ HK$236,070/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,564
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,878
−HK$3,362/mo
Today · 4.125%
HK$130,240
baseline
▲ 0.50% · 4.625%
HK$137,105
+HK$6,865/mo
Deposit HK$16.24M · loan HK$24.35M · min. income ≈ HK$260,480/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,581
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,612
−HK$4,095/mo
Today · 4.125%
HK$137,707
baseline
▲ 0.50% · 4.625%
HK$146,086
+HK$8,379/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$275,414/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,158
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,024
−HK$3,922/mo
Today · 4.125%
HK$151,946
baseline
▲ 0.50% · 4.625%
HK$159,956
+HK$8,010/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$303,892/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,605
−HK$10,447/mo
▼ 0.25% · 3.875%
HK$171,787
−HK$5,265/mo
Today · 4.125%
HK$177,052
baseline
▲ 0.50% · 4.625%
HK$187,825
+HK$10,773/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,104/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,346
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$190,317
−HK$5,042/mo
Today · 4.125%
HK$195,359
baseline
▲ 0.50% · 4.625%
HK$205,657
+HK$10,298/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,718/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,121 · Scale 2, in force from 26 Feb 2026)